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Home insurance in Atlanta costs around $2,565 annually. The rate is higher than the state average of $1,357 and the national average rate.
The city is famous for its fine cuisine, including barbeque, soul food, and Cajun restaurants. It also features historic monuments and museums and some professional sports teams. Another factor is that the city is relatively affordable to buy a house. So, if you’re a resident or plan to move here, know that the city is a beautiful place to settle down.
But like many other cities, hail, tornadoes, and flood often shows up in the city, causing substantial damage to homes and properties. As a homeowner, you will love to find cheap homeowners insurance in Atlanta that offers comprehensive coverage for your home. We’ll help you find one!
Key Takeaways
- Atlanta home insurance costs around $2,565 yearly on average.
- Insurers offer premiums starting at around 1,248 annually.
- Ensure to buy flood insurance to cover flood-related damages.
Home insurance coverage options in Atlanta
Most insurers offer some standard coverages. But you can also buy some additional coverages like this.
- Flood insurance: Home insurance policies typically don’t cover flood-related damage. So, you must buy flood insurance additionally from a private insurer of the National Flood Insurance Program.
The cheapest home insurance companies in Atlanta
Are you looking for the cheapest home insurance in Atlanta? Our research found that Farmers offers the cheapest home insurance rates in Atlanta, with an average annual rate of $1,248.
| Insurer | Average annual rate |
|---|---|
| Farmers | $1,248 |
| ASI | $2,248 |
| Chubb | $2,513 |
| USAA | $2,681 |
| Allstate | $3,191 |
| Travelers | $3,923 |
| Nationwide | $4,429 |
| State Farm | $4,460 |
| Country Financial | $4,773 |
| Auto-Owners | $9,209 |
Atlanta homeowners insurance prices by coverage level
The level of coverage you choose impacts the cost of home insurance in Atlanta, GA. Carrying $100,000 in dwelling coverage costs an average of $800 annually in Atlanta. Whereas carrying additional coverage up to $400,000 costs around $2,181 yearly.
| Dwelling coverage level | Average annual rate |
|---|---|
| $100,000 | $800 |
| $200,000 | $1,279 |
| $250,000 | $1,489 |
| $400,000 | $2,181 |
Atlanta home insurance rates by ZIP code
Your home insurance premiums may vary significantly depending on where you reside in Atlanta. Insurers consider the number of claims in your nearby area, crime rate, etc., while pricing your premiums. The table highlights the cheapest home insurance companies in Atlanta, Georgia, for specific ZIP Codes.
| ZIP Code | Insurer | Average annual rate |
|---|---|---|
| 30303 | Auto-Owners | $1,431 |
| 30304 | Auto-Owners | $1,450 |
| 30305 | Auto-Owners | $1,417 |
| 30306 | ASI Progressive | $1,217 |
| 30307 | ASI Progressive | $1,217 |
| 30308 | Auto-Owners | $1,428 |
| 30309 | ASI Progressive | $1,217 |
| 30310 | Auto-Owners | $1,440 |
| 30311 | Auto-Owners | $1,452 |
| 30312 | Auto-Owners | $1,431 |
| 30313 | Auto-Owners | $1,430 |
| 30314 | Auto-Owners | $1,435 |
| 30315 | Auto-Owners | $1,435 |
| 30316 | Auto-Owners | $1,415 |
| 30317 | Allstate | $1,419 |
| 30318 | Auto-Owners | $1,428 |
| 30324 | ASI Progressive | $1,217 |
| 30326 | Allstate | $1,339 |
| 30327 | Allstate | $1,140 |
| 30331 | Auto-Owners | $1,458 |
| 30334 | Auto-Owners | $1,431 |
| 30336 | Auto-Owners | $1,459 |
| 30340 | Allstate | $1,321 |
| 30341 | Allstate | $1,123 |
| 30345 | ASI Progressive | $1,217 |
| 30349 | Auto-Owners | $1,472 |
| 30354 | Auto-Owners | $1,448 |
| 30361 | ASI Progressive | $1,217 |
| 30363 | Farmers | $1,345 |
| 30369 | Auto-Owners | $1,428 |
Expensive home insurance areas in Atlanta
The area with ZIP Code 30311 area has the most expensive home insurance rates, with an average annual rate of $2,255.
| ZIP Code | Average annual rate |
|---|---|
| 30311 | $2,255 |
| 30310 | $2,215 |
| 30315 | $2,211 |
| 30314 | $2,204 |
| 30304 | $2,194 |
Cheapest home insurance companies in Atlanta for newly constructed homes
New homes are less expensive to insure. It is because the materials used are modern and resistant to damage. So, the possibility of a homeowner making a claim will be less. With a yearly average rate of $972, Farmers offers the most affordable home insurance in Atlanta for new homes.
| Insurer | Average annual rate |
|---|---|
| Farmers | $972 |
| ASI | $1,274 |
| USAA | $1,851 |
| Chubb | $2,055 |
| Allstate | $2,463 |
| Nationwide | $3,039 |
| Travelers | $3,162 |
| State Farm | $3,338 |
| Country Financial | $3,503 |
| Auto-Owners | $6,756 |
Cheapest home insurance companies in Atlanta if you have a lot of personal property
The personal possessions you own also get covered by Atlanta homeowners insurance. You can increase your policy’s personal property coverage limits, thereby surging annual premiums. With a yearly average rate of $1,289, Farmers offers the most affordable home insurance in Atlanta with more personal property coverage.
| Insurer | Average annual rate |
|---|---|
| Farmers | $1,289 |
| ASI | $2,548 |
| USAA | $2,750 |
| Chubb | $3,082 |
| Allstate | $3,229 |
| Travelers | $4,026 |
| State Farm | $4,517 |
| Nationwide | $4,858 |
| Country Financial | $5,071 |
| Auto-Owners | $9,785 |
Cheapest home insurance companies in Atlanta for high deductibles
Your deductible is the money you pay out of pocket when you file a claim. Higher deductibles on your Atlanta home insurance might reduce the cost of your annual premiums. With a yearly average rate of $1,171, Farmers offers the most affordable home insurance in Atlanta for high deductibles.
| Insurer | Average annual rate |
|---|---|
| Farmers | $1,171 |
| ASI | $1,923 |
| USAA | $2,126 |
| Chubb | $2,344 |
| Allstate | $2,773 |
| Travelers | $3,820 |
| State Farm | $3,996 |
| Country Financial | $4,314 |
| Nationwide | $4,330 |
| Auto-Owners | $8,322 |
Home insurance companies in Atlanta for dog owners
Dog owners may have to pay higher home insurance rates based on their breed. Insurers consider certain dog types to be ‘dangerous,’ thus they frequently increase insurance premiums for homeowners who own a dangerous breed. With a yearly average rate of $1,431, Auto-owners offers the most affordable home insurance in Atlanta for a house with a dog breed.
| Insurer | Average annual rate |
|---|---|
| Auto-Owners | $1,431 |
| Allstate | $1,478 |
| USAA | $1,705 |
| State Farm | $2,272 |
| Travelers | $2,587 |
Home insurance companies in Atlanta for pool owners
Pool owners pose a chance of liability claims. Hence their insurance costs are often higher. With a yearly average rate of $1,431, Auto-Owners offers the most affordable home insurance in Atlanta for a house with a pool.
| Insurer | Average annual rate |
|---|---|
| Auto-Owners | $1,431 |
| Allstate | $1,541 |
| USAA | $1,705 |
| State Farm | $2,272 |
| Travelers | $2,587 |
Home and auto insurance bundling in Atlanta
What is one way to lower the Atlanta homeowners insurance costs? Buy your home insurance and other policies like auto or life from the same insurer. Bundling policies will reduce the rate significantly.
| Insurer | Average annual rate with bundling |
|---|---|
| USAA | $1,139 |
| Georgia Farm Bureau | $1,245 |
| State Farm | $1,748 |
| Progressive | $1,824 |
| Allstate | $1,849 |
Cheapest home insurance companies in Atlanta if you have poor credit
Companies consider credit score as one of the factors in deciding your annual premiums. Because homeowners with poor credit are more likely to submit a claim, they pay more for the premiums. With a yearly average rate of $2,713, Farmers offers the most affordable home insurance in Atlanta for homeowners with poor credit.
| Insurer | Average annual rate |
|---|---|
| Farmers | $2,173 |
| ASI | $4,401 |
| Chubb | $4,505 |
| Country Financial | $4,773 |
| USAA | $6,116 |
| Travelers | $7,268 |
| Allstate | $8,400 |
| Nationwide | $8,946 |
| Auto-Owners | $9,209 |
| State Farm | $10,025 |
Home insurance discounts in Atlanta
How else can you lower the home insurance rates in Atlanta? It is by using the discounts that your insurer offers.
- Bundling or multi-policy: Combining your house and auto insurance policies with the same insurer will help you save money on Atlanta home insurance. However, some insurers will give you a discount if you combine your home insurance with umbrella insurance or another type of policy.
Getting online homeowners insurance quotes in Atlanta
You must provide the following info to get an online quote for Atlanta homeowners insurance.
- The replacement cost of your home: The cost of reconstructing your home with the same materials when a covered peril occurs determines your policy's dwelling coverage limits. Hire a building contractor, assessor, or construction expert for an exact quote.
- The value of your personal property: The value of the personal belongings you want to insure in your home will determine the personal property coverage limits.
- Information about your house: This relates to the info about your house, such as its size, construction date, and whether or not it has a home security system.
- Personal information: You must provide info to your insurers, like your address, the number of occupants in your home, insurance history, and other related information.
How to buy homeowners insurance in Atlanta
Follow these steps to buy your best home insurance in Atlanta.
- Reach out to a licensed Way agent: Our team of qualified insurance agents will help you determine the best coverage for your needs and budget.
- Think about buying flood insurance: The city is susceptible to flooding. Since standard insurance policies don't cover flood insurance, buying it as an add-on coverage is crucial.
- Fix the deductible: Your deductible should suit your budget and location. You may have to file many claims yearly if you reside in a flood-prone area. Determine how much you can pay out of pocket for each claim.
- Compare quotes from a Way agent: Once you've chosen your coverage requirements, amounts, and deductibles, our agent will offer quotes from various insurers to help you choose the best insurance policy based on your house and budget.
- Sign the policy and pay your initial premium: After you've decided on the best policy for you, your Way agent will help you complete and file the required paperwork. Then sign your policy and pay your initial premium.
Bottomline
The cost of home insurance in Atlanta, GA, is higher than the state and national average rates. So, always get quotes from all insurers, compare, and buy if you want to buy the cheapest policy. Using the discounts from your insurer can also reduce the rates. Since the city is prone to flooding, buy flood insurance as an add-on policy.
FAQs
How much is homeowners insurance in Atlanta?
Home insurance in Atlanta costs around $2,565 annually.
Is it mandatory to have homeowners insurance in Atlanta?
No. the state law doesn’t mandate buying one. However, if you finance your home in Georgia, your lender may ask you to buy homeowners insurance.
How can I lower my homeowners insurance in Atlanta?
One of the best ways is to take advantage of discounts and bundling. Many insurers provide many discounts to qualified homeowners. You can also choose a higher deductible if your home is at low risk and set an amount you can afford during a claim.
What is the average cost of homeowners insurance in Atlanta?
Atlanta home insurance costs $2,565 yearly.
What is the cheapest homeowners insurance company in Atlanta?
According to our research, Farmers offers the cheapest homeowners insurance rates in Atlanta, with an average yearly rate of $1,248.
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